Lately the scam seems to be, "yeah, we can get you 4.5% APR on a 30 yr fixed... but it's gonna be $8,000 in closing costs!"

I'd LOVE to see 3.5%... NO origination fee (sorry brokers) and closing costs that include maybe appraisal, title and a small processing fee. $500. Have the banks pay the brokers out of THEIR pockets for selling the loans.

Now THAT would definitely get the refi boom kicked back into high gear!